SOWMYA NERELLA
Summary
Results-driven finance professional with proven experience in credit risk assessment, due diligence, and regulatory compliance across banking portfolios. Demonstrated ability to collaborate with clients and internal teams, analyze financial data, document findings, and deliver high-quality service. Skilled in conducting research, preparing reports, and problem-solving to support compliance and operational excellence.
Overview
3
3
years of professional experience
1
1
Certification
Work History
Due Diligence Analyst
HDFC BANK
Hyderabad
07.2024 - Current
- Conducted thorough reviews of business processes to identify vulnerabilities and implement risk mitigation strategies, enhancing fraud prevention capabilities.
- Performed transaction monitoring and underwriting, including AML checks, KYC checks, and customer due diligence.
- Acted as team lead for 5 members, ensuring training and daily performance monitoring met service level agreements.
- Streamlined operations through continuous process improvements, resulting in a 20% efficiency increase and 15% reduction in investigation time.
- Utilized data analysis tools to monitor suspicious activities and generate transaction reports for internal stakeholders.
- Developed streamlined procedures that improved overall process efficiency while minimizing investigation times.
- Proactively investigated high-risk transactions to uncover potential fraud and financial crimes using advanced tools.
- Managed sanctions processing per company policies, maintaining high levels of customer satisfaction and trust.
Credit Analyst
HDFC BANK
Hyderabad
06.2023 - 07.2024
- Analyzed and sanctioned working loans to small businesses, including startups and proprietorship firms, ensuring alignment with risk policies, and maintaining portfolio quality.
- Underwrote and actively managed a diversified portfolio exceeding Rs. 20 crores, ensuring optimized risk assessment, and consistent portfolio growth.
- Monitored credit performance and portfolio health through regular reviews, identifying early warning signals, and implementing proactive risk mitigation strategies.
- Ensured all credit decisions adhered to internal policies, regulatory standards, and audit requirements, supporting organizational integrity.
- Partnered effectively with business, risk, legal, and collections teams to deliver balanced, risk-based credit decisions within tight deadlines, fostering a seamless workflow.
- Conducted thorough due diligence, verified client documentation, and prepared detailed credit proposals, supporting transparent decision-making.
- Managed ongoing monitoring of disbursed loans, tracking repayment behavior, and performing portfolio stress testing to maintain quality metrics.
Education
MBA - Finance
GITAM School of Business
Visakhapatnam, India06-2023
BBA - Finance
Samata Degree College
Visakhapatnam, India09-2021
Skills
- AML, KYC, CDD
- Transaction Monitoring
- Fraud Analysis
- Risk Assessment and Mitigation
- Portfolio Monitoring
- Delinquency Management
- Credit Underwriting and Analysis
- Financial Statement and Ratio Analysis
Positions Of Responsibility
- Designated SPOC for all underwriting-related inquiries and disbursement processes
- Served as the primary point of contact for managing login/logout activities, and producing reports on login metrics and approval rates
- Developed multiple strategies to prevent FTNR and enhance operational efficiency
Personality Traits
- Positive attitude and open-mindedness toward feedback
- Empathetic listener with strong interpersonal skills
- Self-motivated, with a strong drive for continuous improvement
- Highly reliable and committed to meeting deadlines consistently
- Maintains professionalism and confidentiality in sensitive investigations
- Adaptable and quick to adjust to changing regulations and workflows
- Collaborative team contributor with a strong sense of responsibility and ownership
Certification
Banking Credit Analysis
Oracle FLEXCUBE
MS Office (Word, Excel, and PowerPoint)
Certification in Financial Modelling & Valuation Analysis
Oracle FLEXCUBE
MS Office (Word, Excel, and PowerPoint)
Certification in Financial Modelling & Valuation Analysis
Timeline
Due Diligence Analyst
HDFC BANK
07.2024 - Current
Credit Analyst
HDFC BANK
06.2023 - 07.2024
MBA - Finance
GITAM School of Business
BBA - Finance
Samata Degree College